Law School Discussion

Law Students => Current Law Students => Topic started by: veganvenus on June 20, 2008, 08:31:53 PM

Title: Health Care Gap
Post by: veganvenus on June 20, 2008, 08:31:53 PM
To graduating 3Ls:

Does anyone else have a gap in their health care coverage?  My law school health plan ends a few months before my firm plan begins. Not only don't I want to be stuck if something bad happens, but I also don't want to get screwed if future insurers point to the gap in refusing to treat something they attribute to a pre-existing condition.

Anyone know whether states have plans for these?  If any companies have affordable gap coverage?
Title: Re: Health Care Gap
Post by: mqt on June 20, 2008, 09:48:52 PM
I think the first thing you need to do is see if your university offers the possibility of temporarily extending your current plan after its regular coverage ends.  Some schools do have this in place, and you need to contact the health plan for your school to find out if that's an option.  Some schools do not extend, though, so you'll just have to find out. 

If not, do a search for temporary health insurance.  I needed it once, and I went with Fortis, which I believe is now Assurant Health.  Anyway, it allowed me to pick exactly how many days I needed, and I don't think it was too expensive.  Sure, it was much more expensive on a per day basis than any normal health plan, but considering that I only needed 42 days, or somewhere in that neighborhood, it was well worth it for my peace of mind.  I think it was in the $200+ range, but I really do not remember. 

Finally (and this is probably old information to you), make sure that you have the effective day of your forthcoming coverage correct. That is, some health plans don't kick in for 30 days after you begin work, so it might not necessarily start on the day that you begin working at the firm.  Just thought I'd throw that out in case anyone else found it useful. 

Sorry for not providing much specific advice, but bottom line is that temporary health insurance is readily available, and in my opinion, it's well worth seeking it out if you face a gap situation, even if its only a few days.  You never know when you're going to need the coverage...that's the point of having insurance.
Title: Re: Health Care Gap
Post by: LHP on June 20, 2008, 11:28:59 PM
for sure your school should give you am option to pay for extended coverage until you start your job... i would definitely not allow a gap between coverage or you will get screwed...